The Basics of Owner Financing and How You Can Use It in Arizona

If you’re thinking about buying land, you’ve probably heard quite a bit of real estate jargon being thrown around, including the terms “seller financing” or “owner financing.” Long story, short, it’s one way to buy the land. In this post, we take a deep dive into this kind of financing and we’ll answer what exactly is owner financing and how you can use it in Arizona as another option to buy vacant land.

So, What Is Owner Financing?

Owner, or seller, financing is when you skip going to the bank to get a mortgage and instead the owner/seller of the property acts as the bank.

Manys times, getting a bank loan to buy vacant land proves more difficult than getting a loan to buy a residential or commercial property. There are only a handful of banks that will loan on raw land, and they usually require a much larger down payment.

So instead of working with a bank, you can buy the land you want through financing. In other words, you still pay a monthly payment but instead of making it a mortgage payment to the bank, you pay the seller. It’s a lot like a loan from one individual to another, where you pay the owner of the land month by month, and over time you’ll eventually pay off the property and own it out-right.

We offer an option for seller financing. When you do a full down payment, we work with potential buyers to schedule monthly payments for the remaining price of the land. And since we own most of our land, we are able to give you flexible terms.

How Can You Use It?

This kind of financing is a great way to acquire vacant land in Arizona. When you find a property you want to buy, you simply go to the owner and ask them if they’d consider owner financing instead of waiting for you to see if you can get bank financing.

Owner financing is surprisingly common and used in a number of different ways – from first time property owners with bad credit, to real estate investors who cannot or do not want to use their own credit to acquire an investment property. By using financing you can potentially buy a larger piece of land. If you don’t have the full payment ready to go, you can pay off the property over time.


Owner financing can be a safe, secure, simple way to buy your next property without having to go to a bank and see if they’ll lend you the funds. There are benefits and drawbacks to this type of financing so make sure you research this opportunity thoroughly.

Another way to potentially get owner financing is to talk to us. We have properties that we sell using owner financing and we’ll be happy to show you how it works. You don’t need great credit to get your next property from us.

Click here and fill out the form, or call our team at 480-442-7787, to see what properties we have available for owner financing.

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